Disclosures

What this is

One Fixed Payment is a free, independent educational resource about debt consolidation and personal-loan math. It is not a lender, not a financial advisor, and does not sell, broker, or refer loans. It earns no commissions and collects no personal information. Nothing here is financial, legal, or tax advice — it’s general education to help you understand your own numbers.

Not financial advice

The content here is general education only — not financial, legal, or tax advice, and not an offer or solicitation of credit. Everyone’s situation is different; consult a qualified, licensed professional before making borrowing decisions.

About the rates and figures

Personal loan rates, fees, and terms vary by lender and depend on your creditworthiness. Figures shown are illustrative and current as of June 2026. This is not an offer of credit.

Examples and calculator results are illustrative — they’re not a quote and don’t guarantee any rate, term, or savings. Figures referenced on this site are current as of June 2026.

About the calculators & your privacy

This calculator runs entirely in your browser — nothing you enter is sent, stored, or shared. Results are estimates for education only, not an offer, quote, or guarantee of any rate, term, or savings. Actual figures depend on your credit and the lender.

See our privacy note for exactly what we do and don’t collect, and our methodology & sources for how the math works and where the facts come from.